But don't forget that this is a product of China Renshou. Anyone who has inquired knows that Americans and foreigners have different views on many issues. For more information, please refer to this article:
How about China Life? What products are there? 》
Can this endowment insurance (202 1 version) reverse word-of-mouth and achieve word-of-mouth counterattack? Senior, let's have a look!
1. Revealing the guarantee of old-age security (202 1 version)!
The following is the coverage of old-age security (version 202 1):
China Life Pension Security (202 1 Edition) is a combined product that combines two kinds of all risks and additional critical illness insurance, which reflects the simplicity of the coverage.
There are not many advantages, but the disadvantages are very obvious:
1, the payment period is not flexible.
The payment period of old-age security (202 1 version) is not flexible, only 10 and 20 years. Faced with this choice, those groups with sufficient short-term funds and wholesale needs will not be satisfied.
Let's take a look at the critical illness insurance with a payment period of 30 years on the market. The longest payment period for the old-age security (version 202 1) is 20 years. It can be seen that the payment period of the old-age security (version 202 1) is somewhat unreasonable.
Because a longer payment period is more beneficial to the insured.
The annual premium will be relatively small, which can alleviate the payment pressure to some extent. If the exemption of the insured is attached, and the insured goes out of danger during the payment period, the premium exemption can also be triggered.
In this way, the subsequent premium can be exempted and the income of the policy will not be affected.
As far as I am concerned, saving money is king. If you are not sure how to choose the payment period for different types of insurance, you can look at:
"How to choose the payment period so as not to lose money? 》
2. Poor financial returns
In many people's understanding, endowment assurance is more excellent, not only can he pay for his death, but he can also refund his money if he doesn't get out of danger after the expiration of the guarantee period. This kind of business must be profitable.
Is it true that this transaction will not lose money?
We can calculate an account:
30-year-old Xiao Li started with the old-age security (version 202 1), and China Life Insurance Company paid 300,000 yuan in 20 years. At the same time, Xiao Li is not out of danger during the guarantee period, and 6.5438+0.5 million yuan will be refunded to Xiao Li due. The premium paid by Xiao Li is 146400, which is equivalent to saving money for 40 years and only earning 3600 yuan.
According to the bank's five-year fixed deposit rate of 2.75%, 146400 yuan was deposited in the bank for more than one year.
The endowment insurance of national life insurance companies (version 202 1) is very poor in comparison.
3, the security is small.
As mentioned earlier, the old-age security (version 202 1) is a combined product. In terms of income, endowment assurance's performance can be said to be average. Will the protection of additional critical illness insurance be different?
It has not yet reached the ideal level.
In addition to mild diseases, it is the guarantee of old-age security (202 1 version), and it also includes two kinds of serious diseases and special diseases. Such protection is really not enough.
You can compare it with astro boy. For the extra serious illness of Astro Boy MuNo. 1, as long as the compensation standard is met, you can pay 100% of the basic insurance amount, which is equivalent to buying one and getting one free.
However, the national life insurance company's old-age security (version 202 1), the basic security is only 100%, more than half.
Not only that, in fact, the guarantee of second payment or even multiple payment for cancer is very practical, but the old-age security of China Life Insurance Company (version 202 1) has not been provided yet.
Cancer is relatively high in this era, and China Life's additional critical illness insurance (version 202 1) is not enough to ensure people's demand for disease protection.
Second, is the old-age security (version 202 1) worth buying?
Generally speaking, China Life's old-age security (version 202 1) appears in the market in the form of endowment assurance, but the benefits and security are very general, so we really don't recommend buying it blindly.
This problem also deserves your attention. At present, the old-age security of China Life Insurance Co., Ltd. (version 202 1) has bundled the main insurance and additional insurance provided by them.
In fact, after the 70-year-old guarantee expires, China Life Pension Insurance (202 1 Edition) and its subsidiary critical illness insurance will no longer fulfill their guarantee obligations.
This can't meet everyone's expectations. If the insured has no other health insurance during this period, it is difficult to buy suitable health insurance at the age of 70.
It is my suggestion to consider financial management after completing the health insurance configuration, which is the correct insurance configuration idea.
On the list, ten high-security and cost-effective critical illness insurances are contributed to everyone. Friends who want to insure can refer to them:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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